Homeownership Counseling

Clients receive counseling on identifying housing need, assessing affordability to purchase, credit counseling, household budgeting, reviewing mortgage products, reverse equity conversion programs, identifying for-sale and rental public and private properties, how to purchase HUD, VA and FHA homes, selecting real estate agents, predatory lending-“if it sounds to good to be true, It Is”, obtaining mortgage insurance, home inspections, property appraisals, how to inspect homes, understanding real estate terminology, negotiating sales contracts, fair housing laws, applying for mortgage financing, understanding settlement process, making timely mortgage payments, obtaining rehabilitation loans, refinancing, managing utility cost, property warranties, home maintenance, preserving assets before and after closing, consumer protection laws, periodic review of monthly household budgets, payment of real estate taxes, resale of properties, delinquency and default and loss mitigation strategies.